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Are you in debt? Or perhaps just struggling to meet your monthly costs which have grown extensively over the years? The answer is probably yes. Most people today are struggling with their expenses. We live in an expensive world, and there are very few people today who live debt free.

You can get a loan from the bank. You may have already done this or tried to do this. Anyone who has a bank loan will say one thing. They are tired and irritable and feeling negative. It is an exhausting process that is often not a successful process.

Logbook Loans are a sensible way to get a loan and also a stress-free way. You should visit their site, www.logbook-loans.net and look at the benefits of a Logbook Loan. There are many. People who have done it, or are in the middle of it, have had huge success. It is an easy process with little paperwork and very little back and forth. The system is clear and concise and the website, or the underwriter, will explain everything to you. It is a simple and stress-free process.

A logbook loan can be anywhere from UK£500 to UK£50, 000. As long as you have a vehicle, which can be a motor vehicle, a van, a caravan, a motorbike or truck, and as long as you own the vehicle, you qualify for a logbook loan.

The first step is to get your vehicle evaluated. Logbook Loans may want to call in an independent assessor, and all the information is on their site. Once the vehicle has been assessed, you can decide how big a loan you want. You can get up to 60% of your vehicle’s value.

Then, you need to look at the terms and conditions. The questions to ask yourself are:-

How much money do you need to loan?

How much money can you afford to pay back each month?

Do you want a short term or a long term loan?

And what happens if you cannot pay back the money?

Logbook Loads work with an excellent team of underwriters. Once you have completed your application form, an underwriter will be assigned to you. He is now your go-to-person. Any questions or queries you have, you ask him. He, or she, will be quick, will answer immediately and will guide you every step of the way. They will go over all the documentation that you need – ID, proof of residency in the UK, Scotland or Wales, ownership of the car, paperwork of the car and the necessary insurances, evidence of income, bank statements, etc. And they will also go over with you any risks there may be and exactly what is entailed.

When you take out a Logbook Loan, you keep your motor vehicle. You continue to use it. This means that while you are not inconvenienced in any way, you are also responsible for that vehicle. You, therefore, need to maintain the insurance on the vehicle because if you have an accident, it is up to you to fix it.

You need to pay back your loan, on time and as agreed. If you cannot, you need to talk to your underwriter. The worst case scenario, if you do not pay back the money, is that your vehicle gets repossessed or resold. Everything you need to know is on the website which we suggest you visit, www.logbookcalculator.net. Everything is transparent, simple to follow, legit and clear. A logbook loan is the easiest way for you to borrow money without hassle.

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America is a country of immigrants, many of whom have investments in property. If you fall into that category, or if you are a foreigner fortunate enough to own property in the US, you’ll be interested in the legal ramifications of property ownership. Besides for the logistical issues (you are here and the property is there), selling property is riddled with obstacles. The most important of these are finding reputable professionals to facilitate the sale, tax liability obligations, insurance coverage, and funds transfers, among others.

Always Have an Exit Strategy

Few immigrants to the US are aware that they are 100% liable to the Internal Revenue Service (IRS) when they sell property abroad as a green card holder, or citizen. In other words, the purchase price and the sale price will be considered for all capital gains taxes due to the IRS. Tax attorneys advise impending immigrants to sell their properties and transfer the money before they become green card holders. Since all tax reporting is done in USD, it is especially important to ensure that the highest possible property price is achieved, with the lowest exchange rate and bank fees.

Before you even consider selling a property overseas, it is imperative that you have an exit strategy for the money. If a property has been fully paid off, all the funds are available for transfer abroad. Banks and traditional financial institutions are notorious for the high fees, commissions, and charges they levy on money transfers. It befits clients to take a careful look at a list of recommended money transfer services before adopting the default route.

Purchasing Overseas Property in the United States

Investors seeking viable opportunities abroad will note that the American property market differs considerably from that of Europe, Asia, and Australia. Expatriates should be cognizant of the value-added services available in the US. These are designed to safeguard investments for buyers and sellers alike.

Home Warranty Services offer insurance to anyone selling a home or purchasing a home in the US. These insurance services are expressly designed to take care of contingencies if systems and appliances stop functioning.

As a case in point, California homeowner warranty services include a broad sampling of the best providers of home warranty coverage for the Golden State. The diversity of states like California, Alaska and Texas requires comprehensive home warranty services providers for the best possible coverage.

Steps to Take When Selling a Property Abroad

Once you have decided to relocate from one country to another, there are many contingencies to consider. Packing up and going is a major social, economic, social, and emotional decision.

Tax considerations aside, there are also many legal implications that need to be considered. Who will be responsible for managing your overseas property while you are abroad? Who will facilitate the smooth transfer of ownership? What if the property sale falls through? Do you purchase a new property before the funds transfer has been completed?

These are all important questions that require careful attention. IRS tax requirements do not warrant the reporting of a purchase of a new property – it’s the sale of the property that needs to be reported.

Should You Use Banks Every Step of the Way?

When you are selling your property abroad, you will invariably be dealing with banks, unless you have paid off your property in full and you have a cash buyer. There may be various financial and legal filing requirements when selling a property abroad and repatriating that money back to your new country. In the United States, it is imperative that a full report of foreign bank and financial accounts is made. This is known as the FBAR requirement.

There will be different requirements for the host country and your home country vis-à-vis property sales. But as a property owner, your most pressing concern is your money. How will you get your money out of the country? It is important to go with a reputable money transfer service provider to ensure that you get the maximum amount possible out of the country. Careful research is needed to ensure that you don’t spend thousands of dollars in brokerage fees, exchange rates, hidden charges, and bank commissions.

The IRS Treats Exchange-Rate Gains Unfavorably

The exchange rate is one of the most pressing concerns when selling property abroad. It is known that banks can charge upwards of 3.5% for a one-way transaction, and 7% for a two-way transaction of money from country A to country B, back to country A again. If you cleared $200,000 in profit on the sale of your property, that could be reduced by $7,000 each way courtesy of the banks.

Originating banks and receiving banks also tack on additional charges when funds are transferred internationally. Bear in mind that any exchange-rate related losses that you incur cannot be used as a tax-deductible expense since these are personal expenses. The flipside of the coin is that any exchange-rate gains you make on the sale of your property are taxable – so bear that in mind.

The amount of time that you lived in the foreign property – a primary residence or a secondary residence – also factors into the tax equation. If you lived there for at least 40% of the last 5 years, you can exclude all gains associated with the sale of the principal residence. There are many important aspects to consider when selling your property abroad, and it may behoove you to consult with a tax specialist, real estate professional, and expert money transfer service company before you get started.

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With Coachella marking the unofficial start to your summer festival season, your bank account has several financially trying months in its future. Between The Governor’s Ball and Panorama, plus all of the individual artists on tour, you’ll be tempted to spend all of your extra cash on tickets to the biggest and best events. If you expect to see everyone you want to see this summer and not go broke while you’re at it, Ticketmaster — infamous for its ridiculous service charges — can’t be your go-to for the concert season. Check out the following apps to see if you can save on your next gig.

Festlove

If you’re saving up for the next 3-day camping experience, then the Festlove app could be the perfect addition to your phone and budget. It wears multiple hats, letting you keep tabs on your favorite artists or genre and arranging for notifications when a band or event is coming up near you. Once you get the notification, you can follow an in-app link to make your purchase.

StubHub

As the largest secondary-market ticket marketplace, StubHub can help you when an important gig is sold out. Think of it as the eBay of concert tickets. Once downloaded on your phone, you can connect with other users hoping to sell their tickets. Depending on the popularity of the event — and how many tickets are left — you may end up spending more on tickets; however, most of the tickets sold through the app cost less than their original value.

TicketIQ

Like Festlove, the TicketIQ app can help you track touring artists and festivals. Its notification system can help you zero in on sale dates and times, sending out price alert on tickets in real time. It also comes with a convenient discount of $20 off of your first set of tickets purchased through the app.

e-Seats

With direct access to venues, event promotors, and other ticket brokers, e-Seats can help locate unusual or sold-out tickets on your behalf. They’re not just a go-to for summer concerts. They’re your best bet for when you need tickets to exclusive sporting events, too.

These apps don’t offer a one-size-fits-all solution to every single concert on your list, but they can help you keep your costs low this season. Even still, sometimes, you just have to splurge on that festival or concert ticket. There’s no way you’re passing up that once-in-a-lifetime stripped down session of your fave, even if it leaves you unprepared should an emergency come along.

In all likelihood, nothing will happen, but in case you’re hit with a charge for going over your data limit (maybe by sending too many Snaps from the venue) or you’re stuck replacing an expensive part in your car (on the way to the gig, no doubt), you should learn about direct payday lenders. They offer small dollar loans that can float you the cash you’re missing until your next paycheck, so you can cover these mini-emergencies even after you nabbed those floor seats.

Hopefully, you’ll be able to keep to your budget this summer and still manage to see all of your favorites. Download the above apps to get the best deals, and remember a small dollar loan can act as a great backup when your hobby eats into your savings.

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A person’s financial concerns grow more complex with age, presenting unfamiliar circumstances, again and again. And as credit relationships, financial commitments, and other money matters take center stage, so do related responsibilities. Managing the scope of your personal financial affairs is a substantial lifelong pursuit, with your monetary health and security hanging in the balance.

If you are like most personal money managers, there is always room for household financial improvement, finding better ways to account for your money habits. From day to day savings, such as frugal grocery shopping, to big-picture money mastery, setting the stage for comfortable retirement; your personal financial success relies on a balanced approach, based on proven finance practices.

Each person encounters unique financial concerns, but there are fundamental moves to be made, benefitting most money managers. If you are looking for better accountability or need budget improvements, consider these universal measures, before addressing the particulars of your financial situation.

Time is Money

In order to make the most of your resources, you must find adequate compensation for your time. That’s not to say the meter is always running, but if you consistently run out of time before you’ve earned enough money to cover household needs; poor time management and weak compensation might be contributing causes.

When income doesn’t measure-up to household spending requirements, boosting earnings can help close the monetary gap. Spending restraint and other discipline can of course lower your overall burden, but when cutting costs isn’t enough, pumping up your take home pay erases shortfalls. You might be able to make more money with your current employer, by expanding your credentials or earning specialized understanding in a particular aspect of your field.

Does technology represent the future for your line of work? If so, learning a new program or implementation can help boost income. In fact, becoming your organization’s “expert” on any work-related subject can only help advance your earning potential. Does your company offer education funding? Take advantage of these and other opportunities to get certified or earn credentials, which can raise your pay grade.

Balance is Essential

With so many financial obligations placing demands on your personal cash flow, it is natural to experience peaks and valleys within your individual economy. For the most part, however, finding and maintaining financial balance leads to long-term stability and prosperity.

Balancing your personal finances is a matter of offsetting debts and spending with personal earnings and other income streams. Ideally, your individual household economy carries enough cash flow to cover routine spending, with money left over for special purchases, savings, retirement investments, and other extraordinary financial demands. If you haven’t recently evaluated your spending and income, a close look may uncover imbalance. For the best results restoring equilibrium, track spending and make adjustments, laying-down strict limits in each spending category.

Debt Can Drag You Down

A proactive approach to money management gives you the best chance of achieving your financial goals and establishing a secure future. Unfortunately, it can be hard to push ahead with excessive debt dragging you down.

Borrowing money enables families to buy homes, cars and other big-ticket items, which would be hard to acquire without generous levels of financing. Subsequent debt, when manageable, is a natural and expected part of your financial picture. But when the burden interferes with other aspects of your financial life, it is time for corrective action.

Immediately paying-off excessive debt is the most lasting solution to burgeoning balances, but incoming resources don’t always allow for it. Intermediary moves can help ease the pressure and get you back on track. For example, you may be able to make debt more affordable, using sites like readies to explore financing options. By refinancing your outstanding balances with a personal loan or consolidation loan, you may be able to reduce monthly payments to affordable levels, as you catch up with payback. And by freezing credit card use in the meantime, you’ll avoid spinning your wheels, by adding new charges.

Improving your overall financial health can make it easier to meet monthly payment obligations and plan for your financial future. Get started today, by reducing personal debt, balancing your budget and accounting for your time.